WARTA KERAJAAN PERSEKUTUAN
FEDERAL GOVERNMENT
31 Disember 2024 GAZETTE
31 December 2024
P.U. (A) 475
PERINTAH PERKHIDMATAN KEWANGAN ISLAM
(AMAUN MINIMUM DANA MODAL ATAU LEBIHAN ASET
BERBANDING LIABILITI) (ORANG BERLESEN)
(PINDAAN) 2024
ISLAMIC FINANCIAL SERVICES (MINIMUM AMOUNT OF
CAPITAL FUNDS OR SURPLUS OF ASSETS OVER
LIABILITIES) (LICENSED PERSON) (AMENDMENT)
ORDER 2024
DISIARKAN OLEH/
PUBLISHED BY
JABATAN PEGUAM NEGARA/
ATTORNEY GENERAL’S CHAMBERS
P.U. (A) 475
AKTA PERKHIDMATAN KEWANGAN ISLAM 2013
PERINTAH PERKHIDMATAN KEWANGAN ISLAM (AMAUN MINIMUM DANA MODAL
ATAU LEBIHAN ASET BERBANDING LIABILITI) (ORANG BERLESEN) (PINDAAN) 2024
PADA menjalankan kuasa yang diberikan oleh subseksyen 12(1)
Akta Perkhidmatan Kewangan Islam 2013 [Akta 759], Menteri membuat perintah
yang berikut:
Nama dan permulaan kuat kuasa
1. (1) Perintah ini bolehlah dinamakan Perintah Perkhidmatan Kewangan
Islam (Amaun Minimum Dana Modal atau Lebihan Aset Berbanding Liabiliti)
(Orang Berlesen) (Pindaan) 2024.
(2) Perintah ini mula berkuat kuasa pada 2 Januari 2025.
Pindaan perenggan 3
2. Perintah Perkhidmatan Kewangan Islam (Amaun Minimum Dana Modal
atau Lebihan Aset Berbanding Liabiliti) (Orang Berlesen) 2013 [P.U. (A) 209/2013],
yang disebut “Perintah ibu” dalam Perintah ini, dipinda dalam perenggan 3—
(a) dengan menggantikan takrif “fasa asas” dengan takrif yang berikut:
‘ “fasa asas”—
(a) berhubung dengan suatu bank Islam digital berlesen,
ertinya suatu tempoh minimum tiga tahun hingga
maksimum lima tahun mulai tarikh bank Islam digital
berlesen itu memulakan perniagaan perbankan Islamnya,
sebagaimana yang ditentukan oleh Bank; atau
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P.U. (A) 475
(b) berhubung dengan suatu pengendali takaful digital berlesen,
ertinya suatu tempoh minimum tiga tahun hingga
maksimum tujuh tahun mulai tarikh pengendali takaful
digital berlesen itu memulakan perniagaan takafulnya,
sebagaimana yang ditentukan oleh Bank;’; dan
(b) dengan memasukkan selepas takrif “fasa asas” takrif yang berikut:
‘ “pengendali takaful digital berlesen” ertinya seorang yang
dilesenkan di bawah seksyen 10 Akta untuk menjalankan perniagaan
takaful, sepenuhnya atau hampir sepenuhnya, melalui cara digital
atau elektronik;’.
Penggantian Jadual
3. Perintah ibu dipinda dengan menggantikan Jadual 1 dengan jadual yang berikut:
“JADUAL 1
[Perenggan 4]
(1) (2) (3)
Bil. Kategori Dana modal minimum
(RM)
1. Bank Islam berlesen yang bukan bank 300,000,000
Islam digital berlesen
2. Bank Islam berlesen yang merupakan (i) 100,000,000 semasa
bank Islam digital berlesen tempoh fasa asas
(ii) 300,000,000 selepas
tempoh fasa asas dan
selepas itu
3. Bank Islam antarabangsa berlesen 10,000,000
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P.U. (A) 475
(1) (2) (3)
Bil. Kategori Dana modal minimum
(RM)
4. Pengendali takaful berlesen yang bukan 100,000,000
pengendali takaful digital berlesen
5. Pengendali takaful berlesen yang (i) 30,000,000 semasa
merupakan pengendali takaful digital tempoh fasa asas
berlesen
(ii) 100,000,000 selepas
tempoh fasa asas dan
selepas itu
6. Pengendali takaful antarabangsa 10,000,000
berlesen
7. Pengendali takaful semula profesional 100,000,000
berlesen ”.
Dibuat 31 Disember 2024
[MOF.SID(S)700-1/2/50(SK.1); PN(PU2)717/JLD.4]
DATUK SERI AMIR HAMZAH BIN AZIZAN
Menteri Kewangan II
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P.U. (A) 475
ISLAMIC FINANCIAL SERVICES ACT 2013
ISLAMIC FINANCIAL SERVICES (MINIMUM AMOUNT OF CAPITAL FUNDS OR SURPLUS
OF ASSETS OVER LIABILITIES) (LICENSED PERSON) (AMENDMENT) ORDER 2024
IN exercise of the powers conferred by subsection 12(1) of the
Islamic Financial Services Act 2013 [Act 759], the Minister makes the following order:
Citation and commencement
1. (1) This order may be cited as the Islamic Financial Services (Minimum
Amount of Capital Funds or Surplus of Assets Over Liabilities) (Licensed Person)
(Amendment) Order 2024.
(2) This Order comes into operation on 2 January 2025.
Amendment of paragraph 3
2. The Islamic Financial Services (Minimum Amount of Capital Funds or
Surplus of Assets Over Liabilities) (Licensed Person) Order 2013 [P.U. (A) 209/2013],
which is referred to as the “principal Order” in this Order, is amended in paragraph 3—
(a) by substituting for the definition of “foundational phase” the following
definition:
‘ “foundational phase”—
(a) in relation to a licensed Islamic digital bank, means the
period of a minimum of three years up to a maximum of five
years from the date the licensed Islamic digital bank
commences its Islamic banking business, as may be
determined by the Bank; or
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P.U. (A) 475
(b) in relation to a licensed digital takaful operator, means
the period of a minimum of three years up to a maximum of
seven years from the date the licensed digital takaful
operator commences its takaful business, as may be
determined by the Bank;’; and
(b) by inserting after the definition of “foundational phase”
the following definition:
‘ “licensed digital takaful operator” means a person licensed under
section 10 of the Act to carry on takaful business, wholly or almost
wholly, through digital or electronic means;’.
Substitution of Schedule
3. The principal Order is amended by substituting for Schedule 1
the following schedule:
“SCHEDULE 1
[Paragraph 4]
(1) (2) (3)
No. Category Minimum capital funds
(RM)
1. Licensed Islamic bank which is not 300,000,000
a licensed Islamic digital bank
2. Licensed Islamic bank which is a licensed (i) 100,000,000 during the
Islamic digital bank period of foundational
phase
(ii) 300,000,000 after the
period of foundational
phase and henceforth
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P.U. (A) 475
(1) (2) (3)
No. Category Minimum capital funds
(RM)
3. Licensed international Islamic bank 10,000,000
4. Licensed takaful operator which is not 100,000,000
a licensed digital takaful operator
5. Licensed takaful operator which is (i) 30,000,000 during the
a licensed digital takaful operator period of foundational
phase
(ii) 100,000,000 after the
period of foundational
phase and henceforth
6. Licensed international takaful operator 10,000,000
7. Licensed professional retakaful operator 100,000,000 ”.
Made 31 December 2024
[MOF.SID(S)700-1/2/51(SK.1); PN(PU2)717/JLD.4]
DATUK SERI AMIR HAMZAH BIN AZIZAN
Finance Minister II
